This page contains affiliate links, and I may earn a small commission if you get a quote through them, at no extra cost to you.
When you combine two or three of these destinations into one trip, your insurance policy needs to cover the entire itinerary and its full date range — not just the first leg. It's an easy thing to get wrong when booking each destination's flights and activities separately: buying a policy sized to a 10-day Namibia trip when the real itinerary runs 25 days into Botswana leaves the back half of the trip completely uninsured.
If Zanzibar is part of your route, its government charges its own mandatory travel insurance — roughly €41 per adult, collected on arrival. This is a separate, compulsory local charge, not a duplicate of whatever policy you already hold — budget for it as its own line rather than assuming your existing cover exempts you.
As covered on the Botswana insurance page, AMREF-style Flying Doctors evacuation memberships operate in East Africa only — Kenya, Tanzania, Uganda, and similar. Botswana, Namibia, and South Africa sit entirely outside that coverage area. This matters more, not less, on a combined trip: if your itinerary crosses from an East Africa leg into a Southern Africa leg (or the reverse), an East-Africa-only membership leaves the Southern Africa portion with zero evacuation coverage. The two aren't a substitute for each other on a combined itinerary — you need cover that actually spans both regions, not one policy for the region you thought about first.
Confirm the policy's medical evacuation limit specifically (not just the headline medical figure), that it applies across every country and region on your actual route, and that its date range covers your real start and end dates, not just the first destination's dates.
Germany — HanseMerkur, whose terms name no altitude or activity exclusion, covering a combined itinerary the same way they'd cover a single-destination trip — just confirm the policy's date range spans your full route, not just the first leg.
Spain — IATI for the standard-risk legs of your route, including gorilla trekking, which sits well inside its 5,400m trekking cap. Kilimanjaro is the exception: its 5,895m summit exceeds IATI's adventure-activity cap, so that leg alone needs EKTA's Extreme tier added on top — not a full second policy, just that leg covered separately.
United Kingdom — EKTA, Extreme tier if your route includes gorilla trekking or Kilimanjaro, otherwise Gold or Max+ — EKTA's underwriter is a smaller, offshore-licensed name than HanseMerkur or IATI, so it's worth reading the policy wording yourself. Whichever you pick, confirm it covers every country and region on your actual itinerary, not just the first destination.
Guides for Africa travel planning — real costs, route comparisons, and booking links. Follow along on Pinterest →